It seems damage is to the entire left side of the body .. right now the appraiser is estimating the damage as 49K ... If they decide to fix it then i will be royally screwed

Looks like the insurance will write a check to you as the actual repair would cost more, if not 15% more, it makes sense for them just pay you the resale value of the car -- make sure they consider all the cost for the options (MSport etc., show them the receipt).

Too bad you are in this situation but you were not along, mines got hit from straight back at highway when a 19-year girl were texting while driving a mini-van with 4 passengers in, that was 3 years ago.